What if Gitzo loans overdue keeps collecting money?

022 begins with Gitzo's dunning call. There are a lot of different numbers calling my family and friends every day. Every connection has to be explained again. They say this system dials automatically, and they can't control it. I hope I don't harass my family. Every day, my family receives a large number of calls claiming to be Gitzo loans. The reason is that I can't be contacted, and the phone harassment violates Article 293 of China's Criminal Law, creating troubles, and coming home to collect money without my permission, which has a bad impact on my family's life and reputation.

Extended data:

Gitzo Financial Company violated Article 253 of China's Criminal Law and leaked citizens' personal information, and the collection method was unreasonable and illegal.

If Gitzo cannot repay the loan after loans overdue, you can call the customer service hotline and negotiate directly with the business specialist. For example, if you want to reduce the penalty interest or extend the repayment period, as long as the customer has a good attitude and a strong willingness to repay, you can basically negotiate repayment with Gitzo.

But for customers who are often overdue, the probability of successful negotiation will be low. Gitzo recorded the credit information at the meeting and connected it to the database of China People's Bank. In this case, you can only borrow money from friends first, and pay off the online loan first to prevent high penalty interest and bad credit records. In this case, if you don't want to use loans to support loans, you can only buy some assets at home to fill the loopholes.

With the news that a large number of employees of Gitzo Changsha were dismissed, people did not sympathize with employees, but congratulated them, just because Gitzo had done too much harm to borrowers in recent years. We can see from a complaint platform that the number of complaints from Gitzo reached 50,796, most of which were made by borrowers, and the proportion of complaints was due to usury and address book exposure, accounting for more than 80% of the complaints! The president of Gitzo collapsed because the employees in Changsha couldn't get paid. The actual shareholder of Gitzo, who made a fortune in the financial industry, is worth as much as $6,543.8+05.7 billion. Unfortunately, he died, but no one was surprised. Many people think this is expected. After all, there can be no harm!

Now there is news from Gitzo, and the borrower's service has arrived. What is the news? It turns out that Gitzo recently restricted high consumption. Since 202 1, the frequency of Gitzo being listed as an executor has increased, including borrowers and lenders!

What about Gitzo loans overdue?

1. First of all, Gitzo will require overdue customers to pay a certain late fee, which is related to the overdue time. The longer the overdue period, the higher the amount of late fees to be paid.

2. Secondly, if the loan application in Gitzo Company is overdue and causes serious breach of contract, it will directly lead to the early termination of the contract, and Gitzo Company will directly file a lawsuit against the defaulting party. At that time, in addition to the high overdue fee accidents, individuals will also bear certain legal responsibilities.

Calculation method of Gitzo late payment fee;

Overdue for 9 days or less: 0 yuan;

Overdue 10 to 29 days: 30 yuan;

30 to 59 days overdue: 30 yuan +80 yuan;

60 to 89 days overdue: 30 yuan +80 yuan+130 yuan;

90 days overdue: 130 yuan (failure to repay in full after 90 days overdue is a serious breach of contract);

In addition, if the customer has two or more loans, the overdue fee will be calculated separately.

How about Gitzo's door-to-door collection?

After the credit card is overdue, it is legal for the bank to visit at home. The debtor needs to pay attention to it and try his best to cooperate with the bank, but he should not be too nervous, let alone choose to escape or ignore it.

There are detailed regulations on the process of banks' overseas inspection, and it is illegal to exceed this regulation. Understanding the top-level processes of banks also helps debtors to handle their debts well.

1. Departure: The collection staff will not come to the door alone. Usually, there will be two foreign visitors at each door, carrying the debtor's credit card collection materials, letters of introduction, voice recorder and camera.

2. Notice: The bank will call the cardholder to explain the door-to-door time, and the person in charge will record the arrival time and inform the foreign visitors of the specific location and door-to-door time at any time.

3. Photographing and recording: Foreign interviewers take photos and record the surrounding environment of the target address, and record the whole process.

4. Visit: If the cardholder is found during the visit, the foreign visitor will immediately identify himself and indicate his purpose, check the customer's mobile phone, home phone number and contact address, and ask the customer to sign a reminder or lawyer's letter. If the debtor is absent and relatives or family members are present, the foreign interviewer will inquire about the relationship between the related party and the debtor in detail, understand the debtor's economic situation and current situation, ask the related party to convey repayment information and ask the related party to compensate as appropriate, and finally ask the related party to sign a dunning notice or lawyer's letter on its behalf.

If no one is at home, the interviewer will call the cardholder's home first, pay attention to whether there is a phone ringing in the door, and then call the debtor's mobile phone to check the home address. At the same time, experienced foreign visitors will visit and investigate around the debtor's residence, looking for the cardholder's neighbors, property, neighborhood committees, village committees, film police, security guards and so on. Collect relevant information of cardholders. If the cardholder has a fixed private email address, the foreign interviewer will put the legal notice in an envelope marked "Please don't open it unless it is my own" and put it in the borrower's email address.